You and your spouse have carefully planned how much you can spend on groceries each month. You have switched from buying prepared foods to preparing your own food at home.
You go to the mall to look for a birthday present for your niece. While walking through the mall, you notice a sale at the shoe store. You go in just to look around. Next thing you know, you are leaving the store with three new pairs of shoes! You have busted your budget!!
If you are trying to save money, you should only be buying what you need. How many shoes do you need? Philippians 4:19″And my God shall supply all your need according to His riches in glory by Christ Jesus.”
We live in the country. We do not have sidewalks to walk on. I have an old pair of sneakers for walking down the road when it is muddy or for working in the garden. I have a pair of good sneakers for walking when the road is nice or going to the ballfield in. I have one pair of boots for winter. I have a pair of what we used to call boondockers for when it is cold and slippery. I have a pair of shoes for everyday. I have one pair of dress shoes for special occasions and church. For the summer I have one pair of sandals. Seven pairs of footwear is all you need. I also own two pairs of dress boots but they were gifts.
How many shoes do you have? Many women have fifteen, twenty, thirty pairs of shoes for one season. Many men have multiple pairs of boots for hunting or fishing. Too many shoes mean you are wasting money!
Quality shoes can be quite an investment. A pair of shoes may cost around $200.00. We need shoes, but let us do our shopping. Ask your mate whether he or she thinks you need another pair of shoes. Your spouse is there to balance you, if your mate does not think you need another pair of shoes, you do not need them.
If you and your spouse agree you need shoes, there are great sales. Shop around for exactly the type of shoe you need. Then wait while keeping track of sales, buy the pair of shoes on sale and save up to fifty percent! Budget kept! Having money in the bank is not the ultimate goal in life! But…having money in a savings account is wise. Work out a budget! Agree to keep it! Keep your word to your spouse!! Ask God to help you! Proverbs 28:6 “Better is the poor who walks in his integrity, than one perverse in his ways, though he be rich.”
Buying hot or cold drinks on your morning commute can be a budget buster! Stop and think! Want to learn how to save $570.00 per year by changing one habit?
Let us do the mathematics. You can buy one hundred tea bags for $3.00 on sale. If you use one tea bag per cup of tea, the tea costs you three cents a cup. My daughters will use two tea bags for a large cup of tea so that cup of tea costs about six cents. The water from your tap is a negligible expense. The cost of heating a cup of water is also very little money. A cup of hot tea costs $2.00 at the donut shop on your way to work. Times that amount by fifty weeks a year. Take that number and times it by five days a week. The tea for two hundred fifty cups of tea costs seven dollars and fifty cents per year if you make it at home. The same, daily cup of tea, when made by another person costs $500.00 per year.
Now, let us do the math for coffee. A can of coffee at the grocery store is about $8.00 on sale. At times the price can be even less. You are supposed to use a tablespoon of coffee for a cup of coffee. The mathematics for the coffee is a little more difficult. The can we have reads, 210 six fluid ounce cups. We usually drink eight ounce cups. Multiply 210 by six, the product is 1260 which we divide by eight. The mathematics is not perfect but we want to find an approximate amount of how much it costs us to make a cup of coffee at home. The answer to that division problem is exactly one hundred fifty-seven and a half.
Let us say the approximate answer is one hundred fifty. With one can of coffe, you can make approximately one hundred fifty cups of coffee. The coffee to make one cup of coffee at home costs a little over five cents per cup. If you put half and half in your coffee, it is going to cost a little more. A cup of hot coffee at the donut store is $2.39 per cup. If we times $2.40 by five days a week, the product is twelve dollars per week. Times twelve dollars per week by fifty weeks. For that pampered feeling of having someone else make your coffee every day, it costs you six hundred dollars a year. Two hundred cups of coffee made at home costs you ten dollars a year. With half and half perhaps thirty dollars a year. Do you see why there are so many people out there willing to make you a cup of hot “joe” for your morning commute?
If you get up ten minutes earlier, make your own hot coffe for example, you can save yourself five hundred seventy dollars a year. So how much is that feeling like royalty worth to you? Are you going to keep spending or start saving? It is up to you to stop the budget busting habit of buying coffee on your way to work! James 4:10 “Humble yourselves in the sight of the Lord, and He will lift you up!”